Medicare is federal but plan availability, provider networks, and costs vary by county. The plans available in Monroe County are set by CMS each year and can change significantly during Annual Enrollment (Oct 15 – Dec 7).
County plan fit should be checked around Lehigh Valley Hospital-Pocono; St. Luke's Monroe Campus; each resident's current doctors; prescriptions; pharmacies; and travel patterns.
Medicare Advantage
Medicare Advantage Plans
Part C plans bundle medical and drug coverage. Many include dental, vision, and hearing benefits. Plan availability in Monroe County varies by ZIP code and changes each Annual Enrollment Period.
Carriers commonly available in this county:
Devoted HealthAetnaUnitedHealthcareHealthSpring
Learn About Medicare Advantage
Medicare Supplement
Medicare Supplement (Medigap)
Medigap plans cover copays, coinsurance, and deductibles alongside Original Medicare. No network restrictions — see any doctor nationwide who accepts Medicare.
Est. Plan G (age 65): Use live quoting. Rates vary by ZIP; age; gender where applicable; tobacco status; household discount; carrier; and underwriting.
Est. Plan N (age 65): Use live quoting. Rates vary by ZIP; age; gender where applicable; tobacco status; household discount; carrier; and underwriting.
Medigap plans work with Original Medicare. Pennsylvania does not allow Medicare Part B excess charges. Plan N may have lower premiums than Plan G but can include office visit and emergency room copays. Compare both based on doctors; travel; prescriptions; and expected usage.
Common Medigap carriers in this county:
AARP UnitedHealthcareHighmark Blue Cross Blue ShieldAetnaCignaMutual of Omahacarrier availability requires live quoting by ZIP and underwriting status
Learn About Medicare Supplement
Medicare Part D
Part D Prescription Drug Plans
Part D drug plans vary by formulary, preferred pharmacy, deductibles, and copays. The right plan depends on your specific medications and which pharmacies you use in Monroe County.
Part D plans should be reviewed annually because formularies, premiums, deductibles, drug tiers, and preferred pharmacies can change
Learn About Part D
Special Needs Plans
Special Needs Plans (SNPs)
SNPs are Medicare Advantage plans designed for people with specific chronic conditions or limited incomes. SNPs may be available in select ZIP codes within Monroe County.
Check SNP Eligibility